Checking account that
earns interest. Not available to partnerships or
corporations operated for profit.

$1,000.00 minimum to open account

Interest is paid
monthly

Deposit and Check Images with monthly statement

Paid NSF Fee
$12.00 each
ATTENTION! NSF fee will be waived for overdrafts
less than $20.00. The maximum daily NSF fee is
$100.00 There will not be a fee charged for NSF
Debit Card (POS) & ATM transactions

Return NSF fee
$12.00 each

Stop payment fee of $5.00 per item

Free Internet and Telephone banking

ATM & VISA
Debit Card available

Rate Information:Contact the bank for the current rate
and annual percentage yield (APY) for the NOW account. Your interest rate and
APY may change, at our discretion. However, 30 days notice will be given, in writing,
before the rate is decreased.

Interest:Interest will be compounded every monthly
statement cycle and be credited to your account every
monthly statement cycle. If you close your account
before interest is credited, you will forfeit the
accrued interest. We use the daily balance method to
calculate the interest on your account. This method
applies a daily periodic rate to the principal in the
account each day. Interest begins to accrue on the same
business day as the business day of deposit.

Fees:A service fee of $5.00 per statement cycle and 15
cents per check after 10 checks will be assessed against
your account. However, this service fee is waived if the
average daily balance is over $1,000. The average daily
balance is calculated by adding the principal in the
account for each day of the period and dividing that
figure by the number of days in the period.

We
reserve the right to at any time require not less than
seven days notice in writing before each withdrawal from
this account.